本文關(guān)鍵詞： 利率市場化 農(nóng)業(yè)發(fā)展銀行 存款　出處：《新疆大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：中國金融體制改革需要注重利率市場化,它能夠增強金融調(diào)控力量、促進(jìn)市場經(jīng)濟發(fā)展;是完善金融機構(gòu)運營機制、促進(jìn)金融支持實體經(jīng)濟的條件;也是發(fā)揮市場資源配置作用、提高企業(yè)競爭力的需要。從2013年7月貸款利率全面放開,到2015年10月存款利率放開,給銀行業(yè)帶來的沖擊是巨大的。由于存款利率管制的放松,使得銀行的盈利和營運能力受到挑戰(zhàn),存貸利差收入大幅減少,利率風(fēng)險也進(jìn)一步顯現(xiàn)。我國唯一的一家農(nóng)業(yè)政策性銀行——中國農(nóng)業(yè)發(fā)展銀行,如何在市場化利率改革中抓住機遇,加快存款業(yè)務(wù)的拓展,本文對此進(jìn)行了研究。本文首先闡明利率市場化定義,在我國的發(fā)展歷程,指出利率對存款的影響;其次介紹了農(nóng)發(fā)行辦行宗旨、職能定位等總體情況,闡明農(nóng)發(fā)行存款業(yè)務(wù)分類、范圍、資金來源和規(guī)模,對農(nóng)發(fā)行存款存在的問題進(jìn)行了分析;緊接著利率市場化對農(nóng)發(fā)行存款業(yè)務(wù)帶來的沖擊。提出通過實行利率市場化,調(diào)整農(nóng)發(fā)行存款業(yè)務(wù)的發(fā)展方向,從完善存款定價機制、創(chuàng)新組織機制、強化系統(tǒng)建設(shè)、加快產(chǎn)品研發(fā)和人才培養(yǎng)等幾個方面著手,本文具有一定的實際意義。
[Abstract]:The reform of China's financial system needs to pay attention to the marketization of interest rate, which can strengthen the power of financial regulation and promote the development of market economy. It is the condition of perfecting the operating mechanism of financial institutions and promoting financial support to the real economy; It is also the need to give full play to the role of market resource allocation and to improve the competitiveness of enterprises. From July 2013 to October 2015, the interest rate on loans was fully liberalized, and the deposit interest rate was liberalized on October 2015. The impact on the banking sector is enormous. Because of the deregulation of deposit interest rate, the profitability and operational ability of banks are challenged, and the income of deposit and loan interest spreads is reduced significantly. China Agricultural Development Bank, the only agricultural policy bank in China, how to seize the opportunity in the reform of market-oriented interest rate and accelerate the expansion of deposit business. Firstly, this paper clarifies the definition of marketization of interest rate, the course of development in our country, and points out the influence of interest rate on deposit. Secondly, the paper introduces the general situation, such as the purpose and function orientation of the Agricultural Development Bank, clarifies the classification, scope, source and scale of the deposit business of the Agricultural Development Bank, and analyzes the problems existing in the deposit of the Agricultural Development Bank. Then the impact of interest rate marketization on the deposit business of the Agricultural Development Bank is put forward. Through the implementation of marketization of interest rate, adjust the development direction of the deposit business of Agricultural Bank of China, improve the deposit pricing mechanism and innovate the organization mechanism. It is of practical significance to strengthen the system construction, accelerate the product research and development and personnel training and so on.
【學(xué)位授予單位】：新疆大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.5;F832.22

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